Life insurance gives
your family financial
flexibility

You’re there for your family every day, providing love, comfort and security – and you need to know they’ll be okay, no matter what. If you pass away, life insurance gives your family money they can use for whatever they need most. That's reassuring for them, and for you.

 

We offer two types of life insurance. Our term life insurance provides coverage for a specific period of time and then renews. Our permanent life insurance provides coverage for life.

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Term life insurance

CoverMe® Easy Issue Life Insurance

Get essential life insurance in place quickly. Apply by answering just two medical questions. It's easy to understand, easy to apply for and easy to get.

How much insurance can I get?

  • $50,000 or $75,000

Why should I apply?

  • Two simple medical questions
  • No premium increases during each 10-year term
  • Renew up to age 85 with no medical questions

Am I eligible?

  • Yes, if you are age 18 to 70
Term life insurance

CoverMe® Term Life Insurance

Get a solid foundation of term life insurance at an affordable price. Pay only for the coverage you need and, if eligible, convert to permanent life insurance later.

How much insurance can I get?

  • $100,000 to $1,000,000

Why should I apply?

  • Low cost makes it easy to top up your existing coverage
  • No premium increases during each 10-year term
  • Renew up to age 85 with no medical questions

Am I eligible?

  • Yes, if you are age 18 to 70
Term life insurance

FollowMe Life Insurance

Stay protected when you lose your group life insurance coverage at work. Cover yourself and your spouse and get the coverage your family needs.

How much insurance can I get?

  • $25,000 to $200,000*

Why should I apply?

  • No medical questions
  • Keep your policy to age 80
  • You stay protected and own your coverage

Am I eligible?

  • Yes, if you are age 18 to 69 and apply within 60 days of the date your group life coverage ends

* Your maximum is the amount of coverage you had through your work plan.

Permanent life insurance

CoverMe® Guaranteed Issue Life Insurance

Get affordable life insurance with any medical history. Your acceptance is guaranteed with no medical questions and no medical exam.

How much insurance can I get?

  • $5,000 to $25,000

Why should I apply?

  • No medical questions
  • No premium increases – ever
  • Keep your policy as long as you want

Am I eligible?

  • Yes, if you are age 40 to 75

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Top 5 questions about life insurance


Term life insurance provides coverage for a specific period of time and then could renew. Permanent life insurance provides coverage for life. 


A death benefit is the amount paid to your beneficiary if you die while your life insurance plan is in effect. A living benefit is the amount paid to you when you meet certain conditions. For example, you can receive part of your CoverMe Life Insurance death benefit while you are alive if you are diagnosed with a terminal illness with less than 12 months to live. 


There are two main ways to help your family pay off your mortgage if you pass away: mortgage life insurance and term life insurance. 

Mortgage life insurance typically pays the death benefit to the lender. The coverage amount declines as your mortgage balance decreases, but your premiums stay the same. If you switch mortgage providers, you generally have to reapply for mortgage life insurance.

Term life insurance pays the death benefit to your beneficiary, not the lender, and your beneficiary can decide how to spend the money. The coverage amount and your premiums stay the same during your plan's term. You own your coverage so you can keep it if you switch mortgage providers.


Term life insurance premiums stay the same during your plan's term. They increase when your plan renews at the end of a term.


You can generally keep renewing term life insurance without medical questions until you reach the maximum age set for your plan.

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